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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Southern Banc Co's 3-Year RORE % for the quarter that ended in Mar. 2026 was -20.87%.
The industry rank for Southern Banc Co's 3-Year RORE % or its related term are showing as below:
SRNN's 3-Year RORE % is ranked worse than 87.72% of 1466
companies
in the Banks industry
Industry Median: 11.49
vs SRNN: -20.87
Southern Banc Co (OTCPK:SRNN) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Southern Banc Co 3-Year RORE % Related Terms
Southern Banc Co 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Southern Banc Co's 3-Year RORE % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SRNN vs SMAL, GLBZ, ASCN: 3-Year RORE % Comparison
For the Banks - Regional subindustry, Southern Banc Co's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Southern Banc Co 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Southern Banc Co's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Southern Banc Co's 3-Year RORE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Southern Banc Co (SRNN) has a 3-Year RORE % of -20.87 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Southern Banc Co and its competitors. According to the industry distribution chart, Southern Banc Co ranks #1286 out of 1466 companies in the Banks industry, placing it in the top 87.7%.
Is Southern Banc Co's 3-Year RORE % too high?
Southern Banc Co's current 3-Year RORE % is -20.87. Based on the distribution chart, Southern Banc Co ranks #1286 out of 1466 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Southern Banc Co has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southern Banc Co's 3-Year RORE % compare to SMAL and GLBZ?
According to the Banks industry distribution chart, Southern Banc Co ranks #1286 out of 1466 companies for 3-Year RORE %. This places Southern Banc Co in the lower half of its industry. The industry median 3-Year RORE % is 11.49. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 11.49, based on 1,466 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Southern Banc Co and its competitors. For the Banks industry, the median 3-Year RORE % is 11.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southern Banc Co's current 3-Year RORE % is -20.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southern Banc Co stock overvalued right now?
Based on GuruFocus' analysis, Southern Banc Co (SRNN) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.40, compared to a current price of $17.15 — trading 19.1% above its estimated fair value. The current 3-Year RORE % is -20.87. Southern Banc Co's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Southern Banc Co (SRNN), the current 3-Year RORE % is -20.87 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Southern Banc Co (SRNN) Overvalued in 2026?
Based on GuruFocus' analysis, Southern Banc Co stock appears to be overvalued.
The current stock price of $17.15 is trading 19.1% above its estimated GF Value™ of $14.40.
GuruFocus considers Southern Banc Co to be Modestly Overvalued.
Key valuation signals for SRNN:
3-Year RORE %: -20.87
GF Value™: $14.40 vs. price of $17.15 (19.1% above fair value)
No single metric tells the full story. See the SRNN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Southern Banc Co Inc provides personal and business banking solutions. It offers banking solution for every personal banking need including Personal Checking, Mortgage Loans, Consumer Loans, and Home Equity Lines of Credit. The principal business of the Bank consists of accepting deposits from the general public through the Bank's main and branch offices and investing those funds in loans secured by real estate properties, commercial and consumer loans located in the Bank's primary market area, and factoring. The company serves small and medium-sized business customers the United States.
65GF Score
Get the complete analysis for SRNN
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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